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A vast majority of the Indian population remained beyond the ambit of the banking network and pension schemes Clayton Thorson Eagles Jersey , rendering available benefits unreachable.

After the original launch in 2010, the Atal Pension Yojana (APY), previously known as Swavalamban Yojana, was re-launched in 2011 Shareef Miller Eagles Jersey , with the Govt. of India focussing on extending coverage to the underprivileged unorganised sector to ensure a sense of security during illnesses and accidents in old age. This scheme is also available to private sector employees.


The APY is open to individuals between the ages of 18 and 40 years, and pension starts at 60 years, fixing the minimum contribution period of the subscriber at 20 years. Based on the individual's age and contribution amount, the pension amount is determined. On the Govt's part JJ Arcega-Whiteside Eagles Jersey , there is a co-contribution of 50% of the total contribution, or 鈧?000-, or whichever is lower. The subscriber is allowed to switch to an increase or decrease of the premium but just once a year.


APY is linked to Pradhan Mantri Jan Dhan Yojana which enfolds a large chunk of the population and makes banking benefits available on opening a zero-balance account.


This scheme requires the individual to be a citizen of India and his Aadhaar ID number, being the primary document for identification of beneficiaries Miles Sanders Eagles Jersey , spouses and nominees, needs to be linked to his account. Either the Bank Pass Book or his Ration Card suffices as proof of address. Registration of a valid mobile number is also necessary to receive SMS alerts.


Under this scheme, the subscriber, post retirement Andre Dillard Eagles Jersey , gets entitled to pension ranging from 鈧?000- to 鈧?000-, but during the accumulation period he has to ensure regular payment of his pre-determined monthly contribution through his APY account, defaulting on which leads to a penalty, and a continuing default for 12 months may result in closing of the account altogether DeSean Jackson Eagles Jersey , the remaining amount being returnable to him.


Other than death or a terminal illness, when the subscriber or nominee gets back the entire amount, early withdrawals are not permitted. In the event of closing of an account before the subscriber attains 60 years of age, his part of the contribution would be returned with interest earned but not the Govt's part of the contribution or interest thereon. Also important is that the subscriber must not be either a part of any social security scheme or fall in the income tax-paying category.


At present Dallas Goedert Eagles Jersey , there is no provision for an APY account online, but all nationalised banks provide the scheme. To conclude, it must be added that the Atal Pension Yojana is a well-established pension scheme passed by the Parliament of India, and Carson Wentz Eagles Jersey , so, a discontinuation with a change in government need not be a fear in any form.


Author bio:
Neha Sharma is a finance student who loves to write in her free time. She has spent considerable time researching about the Atal Pension Yojana. Through her work, she explains the in detail about the same.

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Why Is An Internet Affiliate Marketing Business So Popular? Home Business Articles | August 20, 2010

A great way to make extra money is by starting an internet affiliate marketing business Brian Dawkins Eagles Jersey , where?you market and sell other people?s products and earn a good commission for doing so.



Starting an internet affiliate marketing business is a great way to make extra money. Affiliate marketing has become very popular with online opportunity seekers because it has a very simple premise: Market and sell other people?s products and earn a good commission for doing so.


As an affiliate marketer you are basically a middle man. Your job is to help the buyer find the seller and vice versa. You do this by employing several different marketing and promotional strategies to catch the eyes of potential buyers.


The commissions you can earn vary from product type to product type. Companies that depend on the internet as their only sales outlet typically pay a high percentage rate (50% to 80%). Traditional companies such as WalMart also have an affiliate program but commission rates are much lower (5% to 20%).


You can do this without even having your own website or having to handle and ship the products. In fact as the affiliate you don?t have any customer contact whatsoever. You just promote the products and once the sale is made you automatically get paid.


However it is to your benefit to have your own website for your internet affiliate marketing business. The benefits for doing so are huge and are what separates those who make fortunes online from those who make a modest second income.


Here?s why. As an affiliate marketer you are provided with special affiliate links for products you promote. When potential buyers click on that link they are sent to the affiliate company to purchase the product. You are paid if they purchase a product due to your affiliate link.


But you will probably never have contact with those customers again. Meaning you can?t follow up and promote other products directly to them. The most successful affiliate marketers make sure they get repeat business by getting valuable information from each of these customers.


They do that by sending potential buyers to their own website first before redirecting them to the affiliate program to buy the product. Once at their site they have the visitor fill out an online ?subscription form? which gives the affiliate marketer information such as the visitors name and email.


The customer is then directed on to the affiliate company to purchase the product. BUT the affiliate marketer now has valuable information that allows him to begin to directly promote other products to all of those on the email list.


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